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Reply to "Too much money on the sidelines"
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[quote=Anonymous]I do not know if this is a good idea but this is what I’m doing. Not financial advice 1. Take equity exposure down about 15%. Think 45/45/10 (cash) instead of typical 60-40. Adjust based on your age. 2. Equity exposure is a mix of incredibly well diversified passive investments (VOO etc), similar foreign stuff, and handpicked tech like the last poster. For the tech I am looking for positions I can hold until as least 2030, ie no disruption risk for the core business. 3. Try to be disciplined and happy I can collect a positive real yield in fixed income. Historically this has not been the case most of the time since the GFC. Clip the coupons in tax sheltered accounts. 4. Keep enough cash to buy if there is a large dip. Be happy that cash is also earning a positive real yield. Basically the incoherent administration policy means that we need to accept a lower expected rate of return to achieve an acceptable expected level of capital preservation. [/quote]
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